Replicating Microfinance in the United StatesJames H. Carr, Zhong Yi Tong Woodrow Wilson Center Press, 28/06/2002 - 387 من الصفحات "With the publication of this volume, knowledge and understanding of the practices of delivering micro-credit reach a new level of consolidation, and the stage is set for important further steps."—from the Foreword by Richard P. Taub, University of Chicago Microfinance was pioneered in the developing world as the lending of small amounts of money to entrepreneurs who lacked the kinds of credentials and collateral demanded by banks. Similar practices spread from the developing to the developed world, reversing the usual direction of innovation, and today several hundred microfinance institutions are operating in the United States. Replicating Microfinace in the United States reviews experiences in both developing and industrialized countries and extends the applications of microlending beyond enterprise to consumer finance, housing finance, and community development finance, concentrating especially on previously underserved households and their communities. Contributors include Nitin Bhatt, Robert M. Buckley, Bruce Ferguson, Elinor Haider, Chi-kan Richard Hung, Sally R. Merrill, Jonathan Morduch, Gary Painter, Sohini Sarkar, Mark Schreiner, Lisa Servon, Ayse Can Talen, Shui-Yan Tang, Kenneth Temkin, Andres Vinelli, J. D. Von Pischke and Marc A. Weiss. Replicating Microfinance in the United States is based on papers commissioned by the Fannie Mae Foundation and findings from an October 2001 conference jointly held by the Fannie Mae Foundation and Woodrow Wilson International Center for Scholars in Washington, D.C. |
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... operations and results of peer - group lending programs found in develop- ing countries and the United States . Lessons about the replication of the institutional innovation may then be drawn . There are two guiding ques- tions : Can ...
... operations - most notable among them are ACCION and FINCA . The financial support from the federal or state governments has been very marginal until recently . Although a few were run by local government agencies , all of them ...
... operations . In my study of the 33 U.S. peer - group lending programs , both the group members and the staff were important in maintaining loan per- formance . The survey results showed that in the majority of groups , members were more ...
... operating in the formal and integrated U.S. economy , even at the community or neigh- borhood level , is a vastly different scenario . U.S. microenterprises incur much higher transaction costs to start and run their businesses than ...
... operations . They undertake these actions more frequently at group meetings than carrying on face - to - face conversations with each other in- side and outside these meetings . U.S. groups are better at dealing with project risk , and ...